Seamless Ongoing Pension Administration
Managing a pension scheme is not a one-time event but an ongoing commitment integrated deeply with your financial cycle. Our team handles the continuous administration of your scheme, including processing opt-ins and opt-outs, managing statutory employee communications, and ensuring your Declaration of Compliance is filed accurately. By syncing your pension contributions directly with our payroll services, we provide a seamless workflow that reduces manual errors and frees up your time to focus on core business growth.
Strategic Tax Efficiency and Wealth Building
Beyond mere compliance, pensions serve as one of the most powerful tax-efficiency tools available to business owners and directors. We advise on how to structure employer contributions as a deductible business expense, effectively reducing your Corporation Tax liability while building long-term wealth. Whether you are looking to maximize your annual allowances or explore the benefits of salary sacrifice, our proactive tax planning ensures that every pound contributed works harder for your future.
Bespoke Advisory for Directors and High Earners
For high-earners and company directors, the intersection of pension contributions and personal tax can be a minefield of shifting thresholds and limits. We provide bespoke advisory services to help you navigate the nuances of tax relief at your marginal rate, ensuring you remain within HMRC’s contribution limits to avoid unexpected charges. By aligning your retirement strategy with your overall business exit plan or personal financial goals, we turn a mandatory legal requirement into a strategic financial advantage.
Proactive Oversight for Long-Term Peace of Mind
Choosing WIM Accountants means partnering with a firm that views your pensions through the lens of total financial health. As ACCA-certified professionals, we stay ahead of legislative changes, such as adjustments to age limits and contribution percentages, so you don’t have to. Our goal is to provide peace of mind through expert oversight, ensuring that both your employees are supported and your personal wealth is protected through a robust, compliant, and tax-efficient pension strategy.
